The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON.COM INC COM 023135106 408 3,845 SH   SOLE NONE 0 0 3,845
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF BLACKROCK SHORT 46431W838 438 8,814 SH   SOLE NONE 0 0 8,814
TECHNOLOGY SELECT SECTOR SPDR TECHNOLOGY 81369Y803 3,720 29,266 SH   SOLE NONE 0 0 29,266
JOHNSON & JOHNSON COM COM 478160104 1,294 7,289 SH   SOLE NONE 0 0 7,289
ISHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 287 6,300 SH   SOLE NONE 0 0 6,300
ISHARES MSCI EMERGING MARKETS ETF MSCI EMG MKT ETF 464287234 437 10,914 SH   SOLE NONE 0 0 10,914
GOLDMAN SACHS GROUP INC COM 38141G104 538 1,814 SH   SOLE NONE 0 0 1,814
PETROLEO BRASILEIRO SA PETROBR SPONSORED ADR SPONSORED ADR 71654V408 117 10,100 SH   SOLE NONE 0 0 10,100
PROCTER AND GAMBLE CO COM COM 742718109 1,446 10,062 SH   SOLE NONE 0 0 10,062
COCA COLA CO COM COM 191216100 1,247 19,823 SH   SOLE NONE 0 0 19,823
VANGUARD REIT INDEX ETF REAL ESTATE ETF 922908553 1,305 14,327 SH   SOLE NONE 0 0 14,327
INTEL CORP COM COM 458140100 865 23,138 SH   SOLE NONE 0 0 23,138
MEDTRONIC PLC SHS SHS G5960L103 636 7,093 SH   SOLE NONE 0 0 7,093
SPDR DOW JONES INDUSTRIAL ETF UT SER 1 78467X109 1,843 5,989 SH   SOLE NONE 0 0 5,989
ISHARES MSCI EAFE ESG SELECT ETF ESG AW MSCI EAFE 46435G516 8,654 137,894 SH   SOLE NONE 0 0 137,894
PROLOGIS INC. COM COM 74340W103 775 6,589 SH   SOLE NONE 0 0 6,589
MERCK & CO INC COM 58933Y105 1,792 19,657 SH   SOLE NONE 0 0 19,657
SPDR S&P 500 ETF TR UNIT 78462F103 4,827 12,795 SH   SOLE NONE 0 0 12,795
ALLSTATE CORP COM 020002101 725 5,722 SH   SOLE NONE 0 0 5,722
ISHARES CORE U.S. REIT ETF CRE U S REIT ETF 464288521 2,290 42,896 SH   SOLE NONE 0 0 42,896
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 8,410 73,833 SH   SOLE NONE 0 0 73,833
JPMORGAN RESEARCH ENHANCED HIGH YIELD ETF HIGH YLD RESRCH 46641Q878 5,873 134,675 SH   SOLE NONE 0 0 134,675
VERIZON COMMUNICATIONS COM 92343V104 346 6,822 SH   SOLE NONE 0 0 6,822
ISHARES COHEN & STEERS REIT ETF COHEN STEER REIT 464287564 265 4,369 SH   SOLE NONE 0 0 4,369
TE CONNECTIVITY LTD SHS H84989104 466 4,122 SH   SOLE NONE 0 0 4,122
HONEYWELL INTL INC COM 438516106 430 2,476 SH   SOLE NONE 0 0 2,476
FIRSTENERGY CORP COM 337932107 353 9,215 SH   SOLE NONE 0 0 9,215
XCEL ENERGY INC COM COM 98389B100 223 3,164 SH   SOLE NONE 0 0 3,164
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF BBG CONV SEC ETF 78464A359 6,631 102,715 SH   SOLE NONE 0 0 102,715
HOME DEPOT COM 437076102 782 2,852 SH   SOLE NONE 0 0 2,852
SPDR PORTFOLIO INTERMEDIATE TERM CORPORATE BOND ETF PORTFOLIO INTRMD 78464A375 628 19,266 SH   SOLE NONE 0 0 19,266
JPMORGAN INTERNATIONAL BOND OPPORTUNITIES ETF INTL BD OPP ETF 46641Q852 6,999 155,747 SH   SOLE NONE 0 0 155,747
SPDR SER TR WELLS FARGO PFD STOCK ETF ICE PFD SEC ETF 78464A292 520 14,508 SH   SOLE NONE 0 0 14,508
HEALTH CARE SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 2,402 18,731 SH   SOLE NONE 0 0 18,731
SPDR GOLD ETF GOLD SHS 78463V107 384 2,284 SH   SOLE NONE 0 0 2,284
CONSUMER STAPLES SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 1,094 15,165 SH   SOLE NONE 0 0 15,165
SPDR PORTFOLIO S&P 400 MID CAP ETF PORTFOLIO S&P400 78464A847 9,424 237,458 SH   SOLE NONE 0 0 237,458
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 5,819 116,188 SH   SOLE NONE 0 0 116,188
SPDR BARCLAYS CAPITAL SHORT TERM CORP BD PORTFOLIO SHORT 78464A474 1,369 46,051 SH   SOLE NONE 0 0 46,051
ISHARES S&P SMALLCAP 600 ETF CORE S&P SCP ETF 464287804 4,158 44,997 SH   SOLE NONE 0 0 44,997
VANGUARD SHORT-TERM CORPORATE BOND INDEX FUND SHRT TRM CORP BD 92206C409 1,260 16,528 SH   SOLE NONE 0 0 16,528
COMCAST CORP NEW CL A CL A 20030N101 598 15,249 SH   SOLE NONE 0 0 15,249
MICROSOFT COM 594918104 999 3,891 SH   SOLE NONE 0 0 3,891
VANECK INFLATION ALLOCATION ETF INFLATION ALLOCA 92189F130 272 11,000 SH   SOLE NONE 0 0 11,000
NIKE INC CLASS B CL B 654106103 681 6,673 SH   SOLE NONE 0 0 6,673
ISHARES BLOOMBERG ROLL SELECT COMMODITY STRATEGY ETF BLOOMBERG ROLL 46431W598 267 4,585 SH   SOLE NONE 0 0 4,585
TESLA MOTORS INC COM 88160R101 226 337 SH   SOLE NONE 0 0 337
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 516 10,199 SH   SOLE NONE 0 0 10,199
FINANCIAL SELECT SECTOR SPDR FINANCIAL 81369Y605 1,566 49,800 SH   SOLE NONE 0 0 49,800
TEMPLETON GLOBAL INCOME FD INC COM 880198106 385 87,327 SH   SOLE NONE 0 0 87,327
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 205 5,428 SH   SOLE NONE 0 0 5,428
INTERNATIONAL FLAVORS&FRAGRANC COM COM 459506101 529 4,445 SH   SOLE NONE 0 0 4,445
PROSPECT CAP CORP 6.375 03/01/2025 NOTE 6.375% 3/0 74348TAT9 4,567 4,470,000 SH   SOLE NONE 0 0 4,470,000
GABELLI CONV & INCOME SECS FD INC COM 36240B109 232 43,007 SH   SOLE NONE 0 0 43,007
WESTERN ASSET HIGH INCOME FUND II INC COM 95766J102 50 10,291 SH   SOLE NONE 0 0 10,291
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 753 4,449 SH   SOLE NONE 0 0 4,449
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 8,831 176,909 SH   SOLE NONE 0 0 176,909
VISA INC COM CL A 92826C839 866 4,399 SH   SOLE NONE 0 0 4,399
VANGUARD VALUE ETF VALUE ETF 922908744 829 6,286 SH   SOLE NONE 0 0 6,286
VANGUARD GROWTH ETF GROWTH ETF 922908736 520 2,335 SH   SOLE NONE 0 0 2,335
ISHARES TR S&P 1500 INDEX FD CORE S&P TTL STK 464287150 652 7,785 SH   SOLE NONE 0 0 7,785
META PLATFORMS INC CL A CL A 30303M102 207 1,285 SH   SOLE NONE 0 0 1,285
BROADCOM INC COM COM 11135F101 859 1,769 SH   SOLE NONE 0 0 1,769
METLIFE INC COM COM 59156R108 695 11,069 SH   SOLE NONE 0 0 11,069
ABBVIE INC COM COM 00287Y109 258 1,689 SH   SOLE NONE 0 0 1,689
SPDR BLACKSTONE SENIOR LOAN ETF BLACKSTONE SENR 78467V608 4,920 118,178 SH   SOLE NONE 0 0 118,178
MCDONALDS CORP COM COM 580135101 1,562 6,329 SH   SOLE NONE 0 0 6,329
CISCO SYS INC COM 17275R102 1,152 27,023 SH   SOLE NONE 0 0 27,023
ISHARES TR RUSSELL MIDCAP INDEX FD RUS MID CAP ETF 464287499 535 8,275 SH   SOLE NONE 0 0 8,275
AT&T INC COM COM 00206R102 259 12,397 SH   SOLE NONE 0 0 12,397
ENERGY SELECT SECTOR SPDR ENERGY 81369Y506 1,017 14,225 SH   SOLE NONE 0 0 14,225
MATERIALS SELECT SECTOR SPDR SBI MATERIALS 81369Y100 478 6,497 SH   SOLE NONE 0 0 6,497
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 240 3,272 SH   SOLE NONE 0 0 3,272
CONSUMER DISCRETIONARY SEL SECTOR SPDR FD SBI CONS DISCR 81369Y407 1,871 13,610 SH   SOLE NONE 0 0 13,610
INDUSTRIAL SELECT SECTOR SPDR SBI INT-INDS 81369Y704 1,230 14,084 SH   SOLE NONE 0 0 14,084
BLACKROCK SHORT MATURITY BOND ETF BLACKROCK ST MAT 46431W507 916 18,598 SH   SOLE NONE 0 0 18,598
SPDR PORTFOLIO S&P 600 SMALL CAP ETF PORTFOLIO S&P600 78468R853 8,132 226,020 SH   SOLE NONE 0 0 226,020
ISHARES S&P 500 INDEX CORE S&P500 ETF 464287200 18,965 50,020 SH   SOLE NONE 0 0 50,020
ADVENT CLAYMORE CONVERTIBLE SECS & INC COM 00764C109 332 27,574 SH   SOLE NONE 0 0 27,574
ISHARES IBONDS DEC 2026 TERM CORPORATE ETF IBONDS DEC2026 46435GAA0 7,527 316,427 SH   SOLE NONE 0 0 316,427
WELLS FARGO CO NEW COM COM 949746101 217 5,553 SH   SOLE NONE 0 0 5,553
UNION PAC CORP COM COM 907818108 242 1,136 SH   SOLE NONE 0 0 1,136
ISHARES S&P U.S. PREFERRED STOCK ETF PFD AND INCM SEC 464288687 674 20,515 SH   SOLE NONE 0 0 20,515
JPMORGAN CHASE & CO COM COM 46625H100 1,386 12,308 SH   SOLE NONE 0 0 12,308
SPDR PORTFOLIO EMERGING MARKETS ETF PORTFOLIO EMG MK 78463X509 4,249 122,228 SH   SOLE NONE 0 0 122,228
CHEVRON CORP NEW COM COM 166764100 1,140 7,875 SH   SOLE NONE 0 0 7,875
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858 7,340 179,906 SH   SOLE NONE 0 0 179,906
WALMART INC COM COM 931142103 1,627 13,389 SH   SOLE NONE 0 0 13,389
INTL BUSINESS MACHINES COM 459200101 363 2,576 SH   SOLE NONE 0 0 2,576
ORACLE CORPORATION COM 68389X105 238 3,420 SH   SOLE NONE 0 0 3,420
VANGUARD FTSE EMERGING MARKETS ETF FTSE EMR MKT ETF 922042858 1,620 38,905 SH   SOLE NONE 0 0 38,905
PFIZER INC COM COM 717081103 865 16,509 SH   SOLE NONE 0 0 16,509
3M CO COM COM 88579Y101 256 1,982 SH   SOLE NONE 0 0 1,982
CATERPILLAR INC COM COM 149123101 465 2,602 SH   SOLE NONE 0 0 2,602
AMERICAN EXPRESS CO COM COM 025816109 263 1,901 SH   SOLE NONE 0 0 1,901
VANGUARD DIVIDEND APPRECIATION ETF DIV APP ETF 921908844 205 1,433 SH   SOLE NONE 0 0 1,433
SPDR PORTFOLIO S&P 500 ETF PORTFOLIO S&P500 78464A854 17,197 387,853 SH   SOLE NONE 0 0 387,853
AXON ENTERPRISE INC COM COM 05464C101 465 5,000 SH   SOLE NONE 0 0 5,000
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 829 10,800 SH   SOLE NONE 0 0 10,800
SPDR PORTFOLIO S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508 16,505 448,286 SH   SOLE NONE 0 0 448,286
ROBERT HALF INTL INC COM COM 770323103 656 8,762 SH   SOLE NONE 0 0 8,762
SPDR BLOOMBERG HIGH YIELD BOND ETF BLOOMBERG HIGH Y 78468R622 6,282 69,257 SH   SOLE NONE 0 0 69,257
EXXON MOBIL CORP COM COM 30231G102 1,015 11,856 SH   SOLE NONE 0 0 11,856
TRAVELERS COMPANIES INC COM COM 89417E109 257 1,524 SH   SOLE NONE 0 0 1,524
LOWES COS INC COM COM 548661107 631 3,613 SH   SOLE NONE 0 0 3,613
COLGATE PALMOLIVE CO COM COM 194162103 296 3,700 SH   SOLE NONE 0 0 3,700
UTILITIES SELECT SECTOR SPDR FUND SBI INT-UTILS 81369Y886 673 9,608 SH   SOLE NONE 0 0 9,608
ISHARES IBONDS DEC 2022 TERM CORPORATE ETF IBONDS DEC22 ETF 46434VBA7 4,340 173,537 SH   SOLE NONE 0 0 173,537
ISHARES CORE S&P MID CAP ETF CORE S&P MCP ETF 464287507 8,855 39,142 SH   SOLE NONE 0 0 39,142
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 1,369 21,922 SH   SOLE NONE 0 0 21,922
APPLE INC COM 037833100 3,483 25,482 SH   SOLE NONE 0 0 25,482
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102 380 5,480 SH   SOLE NONE 0 0 5,480
ISHARES IBONDS DEC 2023 TERM CORPORATE ETF IBONDS DEC23 ETF 46434VAX8 8,799 350,705 SH   SOLE NONE 0 0 350,705
ISHARES IBONDS DEC 2025 TERM CORPORATE ETF IBONDS DEC25 ETF 46434VBD1 10,208 413,298 SH   SOLE NONE 0 0 413,298
ISHARES IBONDS DEC 2024 TERM CORPORATE ETF IBONDS DEC24 ETF 46434VBG4 10,666 430,964 SH   SOLE NONE 0 0 430,964
DISNEY WALT CO COM COM 254687106 396 4,201 SH   SOLE NONE 0 0 4,201